The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$94,310
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,244
−HK$2,980/mo
Today · 4.125%
HK$100,224
baseline
▲ 0.50% · 4.625%
HK$106,322
+HK$6,098/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,448/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,919
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,733
−HK$2,854/mo
Today · 4.125%
HK$110,587
baseline
▲ 0.50% · 4.625%
HK$116,417
+HK$5,830/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,174/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,172
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,692
−HK$3,577/mo
Today · 4.125%
HK$120,269
baseline
▲ 0.50% · 4.625%
HK$127,587
+HK$7,318/mo
Deposit HK$16.54M · loan HK$24.82M · min. income ≈ HK$240,538/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,903
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,279
−HK$3,426/mo
Today · 4.125%
HK$132,705
baseline
▲ 0.50% · 4.625%
HK$139,700
+HK$6,995/mo
Deposit HK$16.54M · loan HK$24.82M · min. income ≈ HK$265,410/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,034
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,141
−HK$4,173/mo
Today · 4.125%
HK$140,314
baseline
▲ 0.50% · 4.625%
HK$148,851
+HK$8,537/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$280,628/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,757,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,886
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,826
−HK$3,996/mo
Today · 4.125%
HK$154,822
baseline
▲ 0.50% · 4.625%
HK$162,983
+HK$8,161/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$309,644/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,757,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,758
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$175,038
−HK$5,365/mo
Today · 4.125%
HK$180,403
baseline
▲ 0.50% · 4.625%
HK$191,380
+HK$10,977/mo
Deposit HK$4.14M · loan HK$37.22M · min. income ≈ HK$360,806/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,854
−HK$10,203/mo
▼ 0.25% · 3.875%
HK$193,919
−HK$5,138/mo
Today · 4.125%
HK$199,057
baseline
▲ 0.50% · 4.625%
HK$209,550
+HK$10,493/mo
Deposit HK$4.14M · loan HK$37.22M · min. income ≈ HK$398,114/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,774 · Scale 2, in force from 26 Feb 2026)